How to learn about tomorrow is a bank holiday
The fastest way is to check your bank's website or call the customer service number on the back of your card. Banks post their holiday schedules early in the year, and most have a dedicated page listing which days they will be closed. If you are looking at a federal holiday — one that affects government offices — the U.S. Office of Personnel Management publishes the full list each year.
If you need the answer right now, text your bank or log into your mobile app. Most banks show holiday closures in the app's help section or in a banner at login. For federal holidays, the OPM website (opm.gov) lists all observed holidays with exact dates, and you can also search "federal holidays 2024" or "federal holidays 2025" to see the current year's schedule.
The reason to check matters: if tomorrow is a holiday, any transactions you submit tonight may not process until the day after the holiday. Checks deposited, wire transfers sent, and bill payments scheduled will all wait. Knowing this in advance lets you plan around it.
Key Takeaways
- Your bank's website or mobile app shows which days the bank will be closed and when transactions will process.
- Federal holidays and bank holidays are not always the same — some banks close on days the government does not, and vice versa.
- The U.S. Office of Personnel Management publishes the official federal holiday calendar each year at opm.gov.
- Transactions submitted on a holiday or after business hours will process on the next business day the bank is open.
The difference between federal holidays and bank holidays
A federal holiday is a day when federal government offices close — the post office, Social Security offices, the IRS. Banks are not required to close on federal holidays, and many do not. Some banks stay open on Presidents' Day or Veterans Day, for example, while others close.
A bank holiday is a day when a specific bank chooses to close. This might be a federal holiday, a state holiday, or a day the bank has decided to observe for its own reasons. Each bank sets its own schedule. Chase might close on a day that Bank of America stays open.
This matters because a federal holiday does not automatically mean your bank is closed. If you need to deposit a check or move money tomorrow and tomorrow is a federal holiday, call your bank directly or check their website to confirm whether that specific branch is open.
Where to find your bank's holiday schedule
Most banks publish their holiday schedule on their main website. Look for a link labeled "Holiday Hours," "Branch Hours," or "Holiday Closures" — usually in the footer or in a Help or About section. You can also call the customer service number on your debit card and ask which days the bank will be closed this year.
If you use a credit union, the same rule applies: check their website or call. Credit unions often have different holiday schedules than large national banks, so do not assume your credit union follows the federal calendar.
Some banks also send email or text alerts when a holiday is coming up. If your bank offers this, you can turn it on in your mobile app settings or by calling customer service.
What happens to transactions on a bank holiday
If you submit a transaction on a day the bank is closed — whether that day is tomorrow or any other holiday — the transaction will not process until the bank reopens. A check you deposit, a wire transfer you send, a bill payment you schedule, or a transfer between accounts will all sit in a queue and process on the next business day.
This is why timing matters. If you deposit a check on a Friday that is also a bank holiday, the check will not clear until Monday. If you send a wire transfer on a holiday, it will not leave your account until the next business day. The bank is not processing anything while it is closed.
Some transactions, like ATM withdrawals or purchases with your debit card, will still work on a holiday because ATMs and card networks run 24/7. But anything that requires the bank to move money or process paperwork will wait.
Federal holidays that most banks observe
While banks set their own schedules, most major banks close on these federal holidays:
- New Year's Day (January 1)
- Martin Luther King Jr. Day (third Monday in January)
- Presidents' Day (third Monday in February)
- Memorial Day (last Monday in May)
- Juneteenth (June 19)
- Independence Day (July 4)
- Labor Day (first Monday in September)
- Columbus Day (second Monday in October)
- Veterans Day (November 11)
- Thanksgiving Day (fourth Thursday in November)
- Christmas Day (December 25)
Some banks also close on the day after Thanksgiving or on Christmas Eve. Again, check your specific bank's schedule rather than assuming.
State and regional bank holidays
Some states observe holidays that are not federal holidays, and banks in those states may close. For example, some banks in the South close on Confederate Memorial Day, and some banks in Hawaii close on Statehood Day. If you live in a state with a unique holiday, ask your bank whether they observe it.
Regional banks are more likely to close on state holidays than national chains, but it varies. The only way to know for certain is to check your bank's published schedule or call them.
How to plan around a bank holiday
If you know tomorrow is a bank holiday and you need to move money or deposit a check, do it today if possible. If you cannot, plan for the transaction to process on the next business day after the holiday. If the holiday falls on a Monday, for example, and you submit a transaction on Monday, it will not process until Tuesday.
If you are paying a bill that is due on or near a holiday, submit the payment at least one business day early. Many people miss payment deadlines because they did not account for a holiday delay. If a bill is due on a Monday that is a bank holiday, send the payment on the Friday before.
For time-sensitive transactions — a wire transfer, a large deposit, a payment to avoid a late fee — call your bank and ask when they will process it. Customer service can tell you the exact timeline and may be able to expedite it if needed.
Frequently Asked Questions
Will my direct deposit come through if tomorrow is a bank holiday?
Direct deposits are processed by the Federal Reserve and employer payroll systems, which run on their own schedules. Your employer may submit your paycheck on a holiday, but the Federal Reserve will not deliver it to your bank until the next business day. If tomorrow is a holiday, your direct deposit will likely arrive the day after, even if your employer submitted it today.
Can I use my ATM on a bank holiday?
Yes. ATMs run 24/7 and are not affected by bank holidays. You can withdraw cash, check your balance, and transfer money between your own accounts on any day, including holidays. The transaction will show in your account immediately, though any transfer to another bank may not process until the next business day.
What if I need to deposit a check and tomorrow is a holiday?
If your bank has a mobile app, you can deposit the check using mobile deposit (also called remote deposit capture) on the holiday itself. The app will submit it to the bank, and it will process on the next business day. If you cannot use mobile deposit, wait until the bank reopens and deposit it in person or at an ATM if your bank offers ATM deposits.
Do online banks close on holidays?
Online banks do not have physical branches, so they do not "close" in the traditional sense. However, they still follow the Federal Reserve's processing calendar. Transactions you submit on a holiday will process on the next business day, just like at a traditional bank. Customer service may have reduced hours on holidays.
How do I know if my bank is open tomorrow if I cannot find their schedule online?
Call the customer service number on the back of your debit card or credit card. A representative can tell you immediately whether your bank is open tomorrow and when transactions will process. You can also visit a branch in person and ask an employee for the full year's holiday schedule.